Atlas Premium America

WorldTrips

Atlas Premium America provides great Comprehensive medical benefits for people traveling outside their home country. This outstanding policy will provide immense peace of mind while you’re away from home. For those under age 65, opt for as much as $2,000,000 in Overall Maximum coverage. Travelers aged 65 to 79 years may choose as much as $100,000 in Overall Maximum coverage, while those 80 years old plus receive a generous $20,000 Overall Maximum.

Atlas Premium makes things easy by providing a set benefit amount for all inpatient and outpatient medical costs. This straightforward international plan is simple: Atlas Premium pays 100% of the scheduled benefit amount after meeting your deductible ($0, $100, $250, $500, $1,000, $2,500, or $5,000). Atlas Premium eliminates any confusion or guessing so you can get on with enjoying your journey.

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General

Coinsurance
Pays100% of eligible expenses after the deductible up to the overall maximum limit.
Brochure
Atlas_Essential&Premium_08_2024_Brochure
Medical Benefits

Hospital Room and Board
Average semi-private room rate, including nursing services
Surgical Treatment
Up to the Maximum Limit(Usual, reasonable and customary charges, subject to coinsurance & deductible)
Intensive Care
Up to the overall maximum limit
Physician Visits
Up to the Maximum Limit(Usual, reasonable and customary charges, subject to coinsurance & deductible)
Surgical Treatment (Outpatient)
Up to the Maximum Limit(Usual, reasonable and customary charges, subject to coinsurance & deductible)
Prescription Medication
Up to the Maximum Limit(Usual, reasonable and customary charges, subject to coinsurance & deductible)
Diagnostic Procedures
Up to the Maximum Limit(Usual, reasonable and customary charges, subject to coinsurance & deductible)
Pre-Existing Conditions
Acute onset of pre-existing condition only (Excludes chronic and congenital conditions. Only available to members under age 80.). Up to the overall maximum limit. Up to $25,000 lifetime maximum for Emergency Medical Evacuation
Maternity
No Coverage
Routine physical examination
No Coverage
Physical Therapy
Up to $50 maximum per day. Must be ordered in advance by a physician.
Ambulance
Usual, reasonable and customary charges, when covered illness or injury results in hospitalization as inpatient.
Emergency Room
Up to maximum limit. The member shall be responsible for a $200 co-payment for each use of emergency room for an Illness unless the member is admitted to the hospital.
Hospital Indemnity
$100 per day of inpatient hospitalization - not subject to deductible or coinsurance
Dental Benefits

Unexpected pain to sound natural teeth
Emergency Dental (acute onset of pain) - Up to $300 (not subject to deductible).
Accident related Emergency
Up to the overall maximum coverage limit.
Life Insurance

Accidental Death & Dismemberment
Up to age 18 - $5000 | Age 18 through 69 - $100,000 | Age 70 through 74 - $12,500 | Age 75 and older - $6,250 | $250,000 maximum benefit for any one family or group
Common Carrier Accidental Death
Up to age 18 - $10,000 per member | Age 18 to 69 - $100,000 per member | Age 70 to 74 - $25,000 per member | Age 75 and older - $12,500
Other Travel Benefits

Emergency Medical Evacuation
Up to $1,000,000 lifetime maximum, except as provided under acute onset of pre-existing condition (not subject to deductible or overall maximum limit)
Return of Mortal Remains or Cremation/Burial
Repatriation of Remains - Overall maximum limit | Local Burial or Cremation - Up to $5,000 lifetime maximum (not subject to deductible or coinsurance)
Emergency Reunion
Up to $150,000, subject to a maximum of 15 days. Not subject to deductible or coinsurance.
Return of Minor Children
$50,000 per certificate period (not subject to deductible or coinsurance).
Trip Interruption
Up to $15,000. Not subject to deductible or coinsurance.
Loss Luggage
Up to $2,000 (not subject to deductible )
Terrorism
Up to $50,000 lifetime maximum, eligible medical expenses only.
Coverage Information
Plan Type
Comprehensive
Underwriter
Lloyd's of London
PPO Network
United Healthcare
Covid-19 Coverage
Yes
Cancelable
Yes
Extendable
Yes
Adventure
No
Dependent Eligible
Yes

Disclaimer
Before making a final purchase, you must thoroughly read the policy information published by the insurance carrier, including their policy brochure and certificate. The insurance company's documents provide the definitive explanation of plan features, benefits, exclusions, limitations, claims handling, and other critical details. If you find any conflicts between our website and the insurance carrier’s documents, be advised the insurer’s documents take precedence.